| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 6100 SOUTH YALE AVENUE, SUITE 1900 TULSA, OK 741361947 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $0 | $12K | 5.30% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 16253 COLLECTION CENTER DRIVE CHICAGO, IL 606930162 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $5K | $5K | 2.12% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 6100 SOUTH YALE AVENUE SUITE 1900 TULSA, OK 74136 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 5.74% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 5314 SOUTH YALE AVENUE SUITE 900 TULSA, OK 74135 | EYEMED VISION CARE | $6K | $0 | $6K | 14.49% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-AMERICA | 6100 SOUTH YALE AVENUE SUITE 1900 TULSA, OK 74138 | EYEMED VISION CARE | $503 | $0 | $503 | 1.25% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 300 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 300 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA | 0 | $0 |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 578 | $230K |
| Vision | EYEMED VISION CARE | 551 | $40K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 300 | $77K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 300 | $77K |
| Prescription drug | CIGNA | 0 | $0 |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 300 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 578 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.